In an average year, 800 tornadoes are reported nationwide. Oftentimes, homes close to a tornado are damaged or destroyed by wind, rain and flying debris. If you have coverage the policy will cover the cost of repairs and rebuilding.

Unlike hurricane and flood insurance, tornado coverage is relatively uncomplicated. Tornados don't have the storm surge and massive flooding that comes with hurricanes.

Even though wind events are typically covered under your homeowners policy it is always a good idea to review your policy. If you live outside "Tornado Alley," the area of the country that runs north from Texas through eastern Nebraska and northeast to Indiana, you are still vulnerable to tornadoes.

In fact, you should review your insurance policy once a year to make sure you have enough coverage to rebuild based on current construction costs. It is recommended that you work with an independent building contractor to get a precise estimate, and make sure you talk to your agent about your home's unique features.

You can’t make your home or business tornado-proof, but you can take steps that improve the odds of surviving the high winds. You may want to call on professionals for the more technical jobs.

Start at the top—your roof. Fix any areas that need repair. If you are planning to replace your roof, select materials that are designed to withstand high wind.

If you are planning to replace your windows, select impact-resistant window systems, which have a much better chance of surviving a major windstorm.
Anchor door frames securely to wall framing. Make certain your doors have at least three hinges and a deadbolt security lock with a bolt at least one inch long.

If a Tornado is Headed Your Way....

If you are in a building, move to an underground shelter, or interior room or hallway on the lowest floor. Stay away from windows and corners.
If you’re in your car, get out immediately and find safe shelter or lie flat in a ditch. Do not take shelter under an overpass or bridge. Flying debris causes most injuries and fatalities, so use your arms to protect your head and neck.